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What is catering trailer insurance?
Having the right insurance for your catering trailer is vital. Whatever type of catering van you run, dealing with preparing food for the public as well as driving the trailer on the roads can leave you exposed to all kinds of risks. So whether you run a burger van, festival catering trailer or have a regular catering van pitch in a local park, the right insurance policy will protect you and your business.
Why do you need it?
There’s a lot to protect in a food truck. As well as ensuring your trailer or van is roadworthy, you’ll need to maintain stock, and quality standards, and ensure good hygiene when preparing food for members of the public.
If someone falls ill as a result of eating your food, the consequences can be serious. Having insurance coverage in place is not just a legal requirement, but will give you peace of mind that your business will be protected if the worst happens.
What type of catering trailer insurance do I need?
Driving a catering trailer on the road means you must have at least a basic level of road risk insurance in place, in case you are involved in an accident. You can choose from either third-party, third-party fire and theft or fully comprehensive cover.
This type of cover protects you if a member of the public brings a claim against you or your business – for example if they hurt themselves at your burger van.
If a product you sell causes illness or an allergic reaction, this type of cover protects you from claims brought as a result of poor quality or contaminated products.
Fixtures and fittings cover
If your catering trailer is your main livelihood, you’ll want to make sure all the equipment in it is covered. If you’re involved in an accident, your trailer is vandalised or cooking equipment is damaged, this type of cover will allow you to get up and running again sooner.
Your stock is a huge investment. This type of cover will pay for replacements if your stock is lost or damaged, for example, if your fridges break down.
Defending a claim can be an expensive business. Some policies may include legal cost cover, which will pay for any legal fees associated with a claim.
How to save money on your cover?
Always shop around and compare quotes from different insurance providers. Make sure that you only pay for the cover you need to, so check with your insurer about what is included. For instance, if you are a sole trader, you won’t need an employer’s liability cover so might be able to reduce your premium costs that way.
Frequently asked questions
What level of liability cover do I need?
Most catering trailer insurance will offer public or product liability cover for up to £ 10 million
Is business interruption insurance necessary?
It’s not a legal requirement but can give you peace of mind and protect your earnings if you’re not able to operate for reasons like illness or injury.
I only serve cold food; do I still need product liability cover?
As there are so many types of mobile catering businesses, it’s best to talk to your insurer to find the policy that best suits your circumstances. Make sure you only pay for the cover you need.